# FIRSTRUST SAVINGS BANK
CONSHOHOCKEN, PA · FDIC certificate 26647 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.62B | |
| Deposits | $4.76B | |
| Loans and leases | $4.63B | |
| Total equity | $602.4M | |
| Loans / deposits | 95.68% (p76 of band) | 87.10% |
| Liquid assets / assets | 16.86% (p31 of band) | |
| Uninsured deposits / deposits | 49.66% (p90 of band) | 30.76% |
| Brokered deposits | 1.54% | |
| Wholesale funding | 4.58% (p44 of band) | |
| FHLB advances / assets | 1.33% | |
| Tier 1 leverage | 11.44% (p68 of band) | 10.50% |
| Unrealized securities loss / equity | -5.71% (p60 of band) | -7.75% |
| AOCI / equity | -0.27% (p52 of band) | |
| ROA (annualized) | 1.71% (p79 of band) | 1.26% |
| Net interest margin | 4.12% (p75 of band) | 3.70% |
| Efficiency ratio | 54.76% (p37 of band) | |
| Noncurrent loans | 0.79% (p65 of band) | 0.51% |
| Net charge-offs (annualized) | 0.34% (p91 of band) | |
| Reserve coverage of noncurrent | 201.65% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 90.13% (p83 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 16.3% | |
| Employees | 572 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, expense ratio p90 |  |
| 2012-03 | 0 |  | capital falling, expense ratio p90 |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | deposits shrinking, assets shrinking |  |
| 2012-12 | 1 | loans exceed deposits | deposits shrinking, assets shrinking |
| 2013-03 | 2 | deposits shrinking |  |
| 2013-06 | 1 |  | deposits shrinking |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 3 | capital falling, expense ratio p90 |  |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 3 | wholesale funding >15%, uninsured deposits leaving | capital falling |
| 2016-09 | 1 |  | wholesale funding >15%, uninsured deposits leaving |
| 2016-12 | 3 | capital falling, expense ratio p90 |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | wholesale funding >15% | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | capital falling | wholesale funding >15% |
| 2018-03 | 2 | wholesale funding >15% | expense ratio p90, capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | wholesale funding >15% |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 | charge-offs p90 | capital falling |
| 2020-06 | 3 | wholesale funding >15% |  |
| 2020-09 | 3 | capital falling | charge-offs p90 |
| 2020-12 | 2 |  | loans exceed deposits |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | wholesale funding >15% |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | deposits shrinking, assets shrinking |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 0 |  | deposits shrinking, assets shrinking |
| 2023-03 | 4 | loans exceed deposits, wholesale funding >15%, capital falling, deposits shrinking |  |
| 2023-06 | 4 | uninsured deposits leaving | capital falling |
| 2023-09 | 3 |  | deposits shrinking |
| 2023-12 | 0 |  | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | loans exceed deposits |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | capital falling, deposits shrinking |  |
| 2025-06 | 1 |  | capital falling, deposits shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | capital falling | loans exceed deposits |
| 2026-03 | 1 | charge-offs p90 | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-07 [Firstrust Savings Bank Can't Nix 401(k) Mismanagement Suit - Law360](https://news.google.com/rss/articles/CBMingFBVV95cUxNS2M4MzJlSmF5VmxDMGpkb2lnRGtqNTZuWThCVk13ZXVUOTNnaENjWG9JajhOS0FaT0VQejhTUGNtcGRYaXQzVVFjYTdUdXNzZ1BFeFlMUWRTaDczWWdyMHlHczRCMkJnZjd4QlBqdGFLNVVHYnlKam45U1dHN3pJZHFiaXhKd3BFaVRZNXB2cDVmc25pdXZnRGQ3emg4Z9IBVkFVX3lxTFBXdjVZWlJEenlMWW1XQkQ3Sm8yZ3ByRXpGTlhZTHVLMzhZSlNLalVJX0pHQU1EeHRoUXVrRXJ2d2hoR2ljeGk3M1dnZVpnQ1VJWGVGLWt3?oc=5) · Law360
- 2026-04-07 [Firstrust Savings Bank Must Defend 401(k) Plan’s Cash-Like Fund - Bloomberg Law News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUUY5V0xuU2xwMEE0dUltOS1zVzJCUFpHSzE4RElNY0QxZFBBSjhvREtJVDRaU0NreFVWMUtzWFViZ2tIQlJtdmVVVGNvUWswUzdfRjBDVGpublE0U0tkNDJVOWR3QXJEMmdtbDB1YlRMOW5Oc21xeVZrMVlKcDFLRC1pNHBBdFBYYnhPLVRXZ0ZWaWlxVVppaXp1Y0taVUFGRDdjVE5lMkxvMHNp?oc=5) · Bloomberg Law News
- 2026-04-27 [Class Action ERISA Fiduciary Lawsuit Survives Motion to Dismiss - LawyersandSettlements.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOc3d6ME1iWXFGd0w3R29RUy1nX0dNdi10cVcwQTRaeWdGbG1tSmtFNkxSVW81RnRnMV9SeGxMcmFUNFc5Tk5ZSHZ0SGpMdUZ2azBEZV9PZE9neEtpZUNnckZEc05EbHVpWTh0N2dXeVBGcGxkNDcxSlFUV2hYTG9Jc2JRdDczQTFhNUhDQVNVY1UwXy1vNHUwQXFITU5iLVVvTjBtNTlNR0x1Q1hYZGlwa2JnX2dsUXVOZTZvTWx6aDZaUVBB?oc=5) · LawyersandSettlements.com
- 2024-01-27 [Firstrust Savings Bank (PA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOSWNnR3M4MEtyYTRIYTdVLVBTeXFOdnVWOERzNlpfa0lMUDYzQjRFd3BHTktOblF3ZF9zYmJFTHdNRFY3N3EzVmc4WEp1MG5DMlI5enRucjR0RTI1MUNsWmdyQlRJQWFXWmRXS192N2NlYnBtTlhNaTAwV3k3akUwWjFqenFMbWc4bGYw?oc=5) · SmartAsset
- 2024-04-03 [Chimney Continues to Expand Client Base, Adding 12 New Banks to Roster - Business Wire](https://news.google.com/rss/articles/CBMixAFBVV95cUxQQ1dyakNsdTRrZ0Y0WVhzWmU4VzhmcFAwVDdFTHRQNmUxVHFySkFoYzFyTTNiblpnYktKWmZUUE1fbjRYdUFLaFc4OURCelVWQ0JnRWR0OU9MSmlXb1RiNENYNzBocTN5YmU5ZXJ6Y3lZcVhZU3RxaHlBTkFpMmZ2TTQ0YUoyaU8wenBUWWctOE42dWNXVHd2OFhYSDVtTldYeDZmZjVTNXVpWkpDVFB2Z21NNjZKTVdiZW9QMnkyNlJqbmds?oc=5) · Business Wire
- 2025-11-21 [Firstrust Savings Bank Sued Over 401(k) Plan’s Cash Holdings - Bloomberg Law News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNQ1QycU5vQnJ2MkNNVk1NUm0xYkV6U0dMZTA4VWYwTDlHVjNNdThveGlhRGtfVWJPaXZoMjVrVVUyZmFkd251cWM3XzN5cXhGeDdkZTlYYnFIVTBULVNaektWX2IwbklPdzctbDd6OG9XdGVlbkVEcjdRUVd3dzQ4R2UwWTVpSFNnSTVIb2FndEt1V2ozOHhKRDNOX0RfMWM4UXZZbGRxY3I?oc=5) · Bloomberg Law News
- 2018-02-16 [Gentrification became low-income lending law’s unintended consequence - Reveal from The Center for Investigative Reporting](https://news.google.com/rss/articles/CBMiogFBVV95cUxPd3ZRWFoxWTBxYjVRVnpPTHZfUzJDdlJITzFfa1FNQmZNSTk2MlNKTnpKcHVhSm43TWVScmpTRThrV2dCYnVhSXUzSXZYSHdVUkI2RTlTSFZaWHJURk9kVFFFRFhvNV9xbjQ5Y0tPdkZzMm1OTzBGVW5mWDRfSDJRcFFSUHhwbEJTYTBSSDYzNmJ0ZGZkNDVBS1hDemwtTTg3emc?oc=5) · Reveal from The Center for Investigative Reporting
- 2024-05-24 [College Avenue sponsors $511 million in private student loans - Asset Securitization Report](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQ3E3NFdkZEd0U2pwQjFIblNISW11TDRtaHNGSjUyTGxmMi1ERVk0TjN5aDVrd3BsZjhxTGtMQ3ZtTi1EdDRPcGlSUDYySWFfZUN6OHZpSWI0RjR3TzVGYW9VYXk3dG9uWmJNODdiRmtId2xBSDI3TTBIX2hNY2Yta0JxX0dHNVBPNzlMOXRmRlQyX1RnSjlsa3hrSEFJY3NnNG9V?oc=5) · Asset Securitization Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26647 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "26647", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide